<ARTICLE>                                                                    9
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<PERIOD-TYPE>                                                            3-MOS
<FISCAL-YEAR-END>                                                  DEC-31-1998
<PERIOD-START>                                                     JAN-01-1998
<PERIOD-END>                                                       MAR-31-1998
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<TRADING-ASSETS>                                                             0
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<EPS-PRIMARY>                                                              .22
<EPS-DILUTED>                                                              .21
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<CHARGE-OFFS>                                                                8
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<ALLOWANCE-DOMESTIC>                                                         0
<ALLOWANCE-FOREIGN>                                                          0
<ALLOWANCE-UNALLOCATED>                                                  2,722